@robby3377: I started with a free credit card. Now I pay for two. Here’s why 👇🏾 🏆 S Tier: Barclaycard Avios Plus @barclaycard ✈️ A Tier: BA Premium Plus Amex @American Express 💳 B Tier: BA Amex I started with the free BA Amex to build my credit history and learn how to use credit responsibly. As my income increased, I upgraded to paid cards because the rewards became worth it for me. The Avios and companion vouchers have helped fund flights and upgrades over the years. One thing I never do: carry a balance. I pay my cards off in full every month and keep my utilisation low, which has helped me maintain an excellent credit score of 1127/1250. Using @Experian UK This is my personal ranking based on my spending habits and goals, not financial advice. What’s your go-to credit card right now? #CreditCardsUK #PersonalFinanceUK #Avios #BritishAirways #BarclaycardAvios

Roberta | London Lifestyle

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Tuesday 09 June 2026 14:54:49 GMT